I retired at age 61. I was eligible to collect SS at 62 but instead of doing that I pay myself the equivalent amount out of my savings and will start collecting at 66 years 2 months, which would be about double the amount of money. A smart accountant would advise against that because the break even point where you equal the amount of money you would have collected if you started right away isn't until 78 but I didn't do it for the money. I did it so my wife would get a bigger pension if I die before her.
The reality is that the cost of living here is so low that we barely touch my savings and instead live off of the pension my wife earned from her days of working in England.
I retired at 62 and started drawing social security plus a pension. Since I had been working since I was 15, I figured that was enough.